Humana is rolling out a new quoting process available 7/1/18 for all underwritten new business with 10-99 enrolled, fully funded or level funded, requesting effective dates of 9/1/18 or later.

With this new Quoting Process, Humana intends to shorten the time it takes to obtain an underwritten quote by eliminating the requirement of a base quote and reducing the documentation needed.   For groups enrolling 10 or more lives, Humana has eliminated the need for employee applications, the current carrier bill, the Risk Assessment Form and the current carrier claim report.

This quoting method is available for groups with total of 51+ employees and:

  • Has less than 100 eligible employees
  • Enrolling 10-99 employees
  • Groups enrolling less than 10 employees will still need to provide employee applications

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Information required to obtain quote:

  • Agent Name and contact information
  • Legal Name of Group
  • Full Address and phone number
  • SIC code
  • Total number of employees on wage and tax/Number of eligible employees/Number enrolled
  • Total average number of employees including full time, part time, union and seasonal employees on average in the prior year.
  • Number of different prior group health carriers in the last 3 years

Below is a list of requirements to request a quote based on number of employees enrolled and group type.

# Employees EnrolledGroup TypeRequirements for UW Quote
10 or more enrolled51+ employeesMember Census
Current Carrier Renewal
Less than 10 enrolled51+ employeesMember Census
Employee Applications or Humana Medical Health History Questionnaire
Current Carrier Renewal
1-50 enrolled1-50 total employeesMember Census
No underwriting needed

Additional considerations for groups with 51+ employees

Virgin groups or PEO groups who do not have a renewal, can still be considered and current renewal will not be required.

If a group wants to shop off renewal, Humana will quote for a different effective date but will use the most recent renewal available.

You can use the MIBS quote request form as the census for requesting these quotes.  You will still need to let us know how many different health carriers did they use in the past 3 years.  List all eligible employees selecting tier option for enrolling or waiving.   If you have an employee on COBRA, that needs to be selected as well.

If you have any opportunities or questions, please contact Patty Kretschmar,   847-631-6613 or patty@midwestga.com.